The support beam of maintaining happiness with this is believing that your sins are forgiven. There's so many worse things that could be happening to you if that were not the case.
Being said, the next thing built on it is an open invitation to rest, even if some things are going on that are unsettling, stop and relax.
The next thing built onto of it is to reject harmful emotion, because of salvation, you can trust that lesser problems are also within the power to correct, this means if you trust your creator, all problems can be solved, but be watchful, if you see the power of your problem as more than the power of your protecter, you may not be saved from them.
The next thing built is discernment, the ability to see your problems for what they are, not what they seem, how much is holding onto a certain luxury worth? how much is trying to do a certain thing worth? is there something you can give up?
Another thing to talk about is spiritual defense, putting your emotions into everyday things detracts from your view of the big picture, doing this also means you place some of your emotional health on the things that can be changed the easiest. Putting trust in a thing to always be there, because it's sentimental, you become upset if it breaks, and if it's around the same time as other upsetting events, it contributes to a larger problem and the impact is stronger. The dark pit is difficult to escape because it is dark, you have a hard time seeing what is in it when you are. What it's made out of is your built up emotions and lasting emotions about events and the emotions those emotions led you to, so to deconstruct the dark pit, those emotions and feelings are to be dealt with, and the dark pit, which is like comprised of dense fabric, comes apart around you, and you can walk free.
Now, in this place, you are probably weak, most would be, so your reasons for coming to terms can be with little effort shot down, which is why The book of your religion is so attractive, because it offers counseling for things like this and has a backing even US law is not allowed to discredit, so it has a lot stronger of a reason for it to be valid. This makes the verses in it have more strength and allows you stand up to thoughts like "you're wrong". The first thing to address is hopelessness, the thing that makes the pit so dark, Your book tells you to put faith and trust in your Creator, meaning that no matter what is against you, how impossible it seems for you to be free of an obstacle, you can be saved from anything your dealing with. See the thing your in as nothing compared to what can be done. The next thing is is to work on how calm you are, Your book, talks about the importance of rest, the emotions you feel have probably made doing this nearly impossible, the main deception in worrying is that it keeps you focused on your problems so you can work on them, but what it really does is cause you to always think about issues, which means you are always going and you never stop to rest and you get tired and your ability to reason declines, take some time to relax with just what's in front of you, worry comes to remind you, pick a time where a destination is closed or you can't afford the gas so you can be ready to tell it what would you do right now, have a relaxing drink, or food, or whatever you enjoy that puts you in a good mood, and just take a couple hours to think about nothing you regularly think about, don't be afraid to enjoy the things around you, especially if you can't think of an actual decree that bans what you have, it was given to be received, if there's a small spill of drink, save cleaning till your done. Once you relaxed and healed long enough you should feel healthier, better able to have thoughts and happy, revisit the problems you are dealing with, you need this much to pay this bill, what are ways to earn more? What should you do with your life? what would you be happy with, with peace think about these things, which is in your book, this will lead you to better solution making skills than doing so in worry, once you think of a way to solve a problem, you have one less thing to tempt you to worry, and there will be more room for peace, do not try to solve all your problems at once, it turns into one big problem with multiple heads and it can be hard to find a place to strike, instead solve each problem at a time, selecting the simplest problem to prove to yourself that you can solve your problems first, then the one's in front, that are providing shield and strength to the other ones, for example, If you don't make enough money, and you have a payment due, not making enough money provides shield and strength to the due payment, because it makes paying the bill a more challenging issue to solve, find a source of more income and the payment becomes easier to make, I'm giving financial problems as they are the only specific daily issue you stated, so start by going after the problems that make the other ones harder to solve, once you've proved you can solve such problems. As for emotional problems and moral dilemmas, if there's something you can do to better the situation, the actual thing probably is not hard to do, and if there's nothing you can do, say, if there's nothing that I can how can it be my fault if I do nothing? then go do something you can do, probably unrelated, while you are working on your problems, and accepting your limits, your peace should be growing, your confidence with each success along the way, you start feeling happier and like things are good again, you are stronger, you can handle things more well, you may notice that the dark pit is gone, or barely existent through lingering fear, which you can destroy yourself because you have a way out, and if you do as I suggest, and get out there, remember that im a man like any other, I taught you this, you find your Creator, imagine how he can help you
